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Home Equity

Effective July 20, 2015 — July 25, 2015
Payment calculation is based on lowest rate.
**Rates are subject to change**

First Lien Home Equity Loans

Term Daily Periodic Rate Annual Percentage Rate
Up to 5 years $10,000 min
0.010247 % - 0.012164 % 3.74% - 4.44%
60 monthly payments of $18.62 per $1,000 borrowed.
Up to 10 years $10,000 min
0.010795 % - 0.012438 %
3.94% - 4.54%
120 monthly payments of $10.39 per $1,000 borrowed.
Up to 15 years  $25,000 min
0.011616 % - 0.012712 %
4.24% - 4.64%
180 monthly payments of $7.73 per $1,000 borrowed.
Up to 20 years $25,000 min
0.012164% - 0.012986 %
4.44% - 4.74%
240 monthly payments of $6.46 per $1,000 borrowed.

Second Lien Home Equity Loans

Term Daily Periodic Rate Annual Percentage Rate
Up to 5 years $10,000 min
0.014110 % - 0.017397 % 5.15% - 6.35%
60 monthly payments of $19.51 per $1,000 borrowed.
Up to 10 years $10,000 min
0.015288 % - 0.018164 %
5.58% - 6.63%
120 monthly payments of $11.43 per $1,000 borrowed.
Up to 15 years  $25,000 min
0.015973 % - 0.018438 %
5.83% - 6.73%
180 monthly payments of $8.85 per $1,000 borrowed.
Up to 20 years $25,000 min
0.016795% - 0.018712 %
6.13% - 6.83%
240 monthly payments of $7.66 per $1,000 borrowed.

To apply for a Home Equity or Home Improvement Loan fill out the application and return it to us along with the following:

  • 12 day notice
  • Mortgage Fraud Warning
  • Written verification of all household income. If self employed, we need last 2 years tax returns.
  • A tax statement
  • Your deed of trust
  • Your Homeowners Insurance Policy
  • Your Mortgage Balance
  • For Home Improvement we will also need a contractor's bid.
  • Minimum of $5000.00 must be borrowed to refinance current loans.
  • When the new loan amount is $100,000.  or more and the total Loan to Value Ratio of the property is more than 65%, GTFCU will require a certified appraisal  to determine the value of the property.

Home Calculators

How much home can I afford?

Comparing mortgages (i.e. 15, 20, 30 year).

Mortgage Payment Calculator

Should I make extra payments on my mortgage?

How much of a down payment should I make on my new home?